Close ILTakeCare Suggestion
IL TakeCare app – For all your insurance & wellness needs

Policy purchase, claims, renewal & more

Health insurance just got 18% cheaper – no GST applicable!
 
  • Understanding Automatic Climate Control Systems

    by Almog Ramrajkar | Apr 03, 2025

    The automatic climate control in cars stands out as a cutting-edge feature. It aids in maintaining the temperature inside the cabin comfortably without requiring regular adjustments. Compared to AC systems, this automatic climate system can easily adjust the airflow, temperature, and fan speed by itself to maintain the chosen temperature. The sensors will help track down changes in the temperature outside and inside the vehicle, making adjustments as needed. This feature adds plenty of convenience, making driving more comfortable and helpful during extreme weather conditions or when going on longer trips.

    What Are the Tips for Using Automatic Climate Control?

    Using automatic climate control effectively can enhance comfort and efficiency. Here are some tips:

    ●     Set Desired Temperature

    Set the desired cabin temperature and let the system manage it. It will automatically adjust fan speed and air distribution.

    ●     Using the Auto Mode

    For an outstanding experience, you should keep the system on "auto" mode. This will allow it to adjust to temperature changes automatically outside and inside the vehicle.

    ●     Keeping Sunroof and Windows Closed

    The automatic temperature control in cars functions within a closed cabin. So, you should keep the vehicle's sunroof and windows closed so it can maintain the set temperature.

    ●     Avoid Frequent Adjustments

    When you change the temperature too much, the system cannot maintain a comfortable and steady temperature. Find a comfortable setting and let the system maintain it.

    ●     Use the Recirculation Mode Sparingly

    Recirculation mode helps cool the cabin quickly but limits fresh air intake. Use it briefly, then switch to the fresh air mode for better air quality.

    ●     Pre-Cool or Pre-Heat

    In extreme weather, use the remote start or preset temperature features (if available) to pre-cool or pre-heat the cabin before getting in.

    What Is the Difference Between Air Conditioners and Climate Control?

    Both the climate control and AC systems aid in managing the temperature inside the cabin, but they function in a different manner:

    1.    Automatic vs Manual Adjustments:

    •       Air Conditioning

    You have to set up the air direction, temperature and fan speed manually.

    •       Climate Control

    Adjust all these settings automatically to keep the chosen temperature.

    2.    Temperature Precision:

    •       Air Conditioning

    Heats or cools but does not keep a proper temperature.

    •       Climate Control

    Uses the sensors to hold the set temperature with automatic tweaks.

    3.    Efficiency:

    •       Air Conditioning

    Generally less efficient as it demands manual tuning, which can lead to overcooling or overheating.

    •       Climate Control

    Makes changes based on conditions, saving power by operating only when essential.

    4.    Sensors:

    •       Air Conditioning

    Generally does not use sensors for temperature or humidity.

    •       Climate Control

    Fitted with detectors to observe interior and exterior conditions and adapts accordingly.

    Conclusion

    The automatic climate control adds plenty of convenience and comfort to passengers in the car. It keeps the cabin at a good temperature without the requirement of manual adjustments. This particular feature is highly valuable during severe weather or long drives. Remember to get a comprehensive car insurance policy for coverage against theft, damage, and accidents.


    Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the Insurance industry and products. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.

  • Understanding Car Ambient Lighting Systems

    by Almog Ramrajkar | Apr 03, 2025

    The vehicle's ambient light system has become a common feature from just being a fancy add-on. It makes the interior of a vehicle appear more beautiful, besides lighting various sections of the cabin with adjustable and soft shades. Apart from looking cool, this lighting system can also assist in setting up the mood and makes driving much nicer during the night time. Ambient lighting in vehicles offers them a touch of luxury, personality, and style.

    Why is Ambient Light Used in Cars?

    • Enhanced Aesthetic Appeal

    This car ambient lighting system gives vehicles a stylish and modern vibe. It helps bring attention to all the vital sections inside and makes the cabin feel a bit high-end.

    • Improved Comfort and Mood

    It is believed that lighting can greatly affect a person's mood. So, ambient light certainly makes driving enjoyable and cosier. Customisable colours allow drivers to personalise the lighting to their taste, contributing to a pleasant environment.

    • Better Visibility and Safety

    Subtle lighting helps illuminate essential areas like the door handles, footwells, and dashboard without distracting the driver. This assists with nighttime visibility, helping passengers find items and access controls more easily.

    • Brand Differentiation

    Many automakers use ambient lighting to distinguish their models, offering unique colour schemes or interactive features. This reinforces brand identity and provides an upscale experience.

    What are the Types of Car Ambient Lights?

    Car ambient lighting comes in various types, each serving different functions and preferences:

    • Footwell Lighting

    Installing lights in the foot section or beneath the seats will offer a gentle glow. This will make it much easier to look inside the vehicle without blinding anyone.

    • Door Panel Lighting

    Another great car ambient lighting system is the door panel lighting. These lights are attached to the vehicle's door panels to add some style and also assist passengers in detecting the handles at night.

    • Dashboard and Console Lighting

    Soft lights around the console and dashboard make the controls, such as AC settings and gear shifts, much easier to find.

    • Overhead or Roof Lighting

    These lights deliver a soft glow over the entire cabinet, which lights up the space and creates a premium feel.

    • Puddle Lights

    These lights are mounted beneath the doors. The puddle lights shine on the ground once you open the vehicle's door, helping all passengers avoid puddles and other obstructions.

    Conclusion

    The ambient light system of vehicles is not just another add-on but a feature that improves the safety, mood, and comfort of passengers and drivers. 

    Remember to get car insurance online for financial coverage against accidents, damages, and theft.


    Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the Insurance industry and products. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.

  • Understanding Dual-Clutch Transmission Systems

    by Almog Ramrajkar | Apr 03, 2025

    In recent years, the dual-clutch transmission (DCT) has gained popularity among car enthusiasts for its blend of manual-like performance and automatic convenience. Used in various high-performance and even everyday vehicles, DCTs deliver rapid gear shifts and smooth transitions, providing a unique driving experience. This guide dives into how DCTs work, their advantages, and how they differ from other transmissions.

    How Does a Dual-Clutch Transmission Work?

    A dual-clutch transmission operates with two separate clutches, allowing it to preselect the next gear while one clutch is engaged. This setup essentially combines two transmission systems in one housing—one clutch handles odd-numbered gears (1st, 3rd, 5th, etc.), while the other takes care of even-numbered gears (2nd, 4th, 6th, etc.). When the vehicle is in a particular gear, the next gear is preselected, allowing the car to shift almost instantaneously.

    In practice, DCTs switch gears quickly without the lag of traditional automatic or manual transmissions. The dual-clutch setup is operated by a computer that uses sensors to monitor speed, throttle position, and other inputs to determine the best time to shift. This precise control minimises power loss, allowing for faster acceleration and smoother gear transitions, making the DCT in cars popular among those seeking performance without the manual hassle.

    Is a DCT Different From Other Automatic Transmissions?

    Yes, DCTs differ significantly from other automatic transmissions. Here is how:

    ●         Torque Converter vs. Dual Clutch

    Traditional automatic transmissions use a torque converter, which can lead to slight power loss during gear shifts. In contrast, DCTs eliminate the torque converter and use two clutches, providing a more direct connection and faster shifts.

    ●         Fixed Gears vs. Variable Ratios

    While DCTs offer fixed gears with quick, direct shifts, continuously variable transmissions (CVTs) use a belt-and-pulley system to provide an infinite range of gear ratios. CVTs are smooth and fuel-efficient but lack the sporty, performance-focused feel of DCTs.

    ●         Performance and Cost

    Due to their complex engineering, DCTs are often more expensive than other automatics. However, they are preferred in sports cars and premium vehicles for enhanced driving dynamics and responsiveness.

    ●         Automated Manual Transmission (AMT) Comparison

    DCTs differ from AMTs, which also use clutches but only one and are generally slower and less refined. AMTs are budget-friendly and often found in lower-cost cars, while DCTs are typically used in higher-end or performance-oriented vehicles.

    ●         Driving Experience

    With faster gear shifts and a more direct drive feel, DCTs provide a sporty experience closer to manual transmissions but with automatic convenience, making them unique among automatic transmission options.

    Conclusion

    The dual-clutch transmission is a technological marvel that bridges the gap between automatic and manual driving, offering rapid shifts, enhanced performance, and a seamless driving experience. With two clutches working simultaneously, DCT in cars ensures that drivers enjoy power-packed performance with minimal lag. While DCT may come at a higher cost than traditional automatics, the advantages make it a worthwhile investment, particularly for those who appreciate a sportier driving experience.

    For car owners seeking to protect their investments, exploring options like car insurance online is essential. Comprehensive insurance safeguards against potential repair costs, especially for high-performance vehicles equipped with advanced technology like DCTs.


    Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the Insurance industry and products. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.

  • Guide to Different Types of Car Engines

    by Almog Ramrajkar | Apr 03, 2025

    Are you interested in learning about the different types of car engines? Automobile engines can be mainly divided into two types: electric and combustion. Electric engines employ stored electricity, whereas combustion engines, like gasoline and diesel, fire fuel inside the engine's cylinders. These distinctions affect performance, fuel economy, as well as the environment. Making educated selections while buying or maintaining a car is easier when one is conscious of these distinctions.

    Types of Car Engines

    The different types of engines for cars are stated below:

    1.        Internal Combustion Engines (ICE)

    Combustion engines (ICE) use fuel to supply energy. There are two types: diesel engines and gasoline engines.

    • Diesel engines are strong and efficient, while gasoline engines are light and smooth.
    • Diesel engines are heavy, and they create more pollution.
    • Gasoline engines are the best fit for motorbikes, compact machines, and passenger cars. The actual needs of the vehicle will determine which of those engines is best.

    2.        Electric Engines

    Electric engines reduce pollution and do away with combustion by using battery-powered electricity to power motors. They use electromagnetic fields to rework electricity into energy. Electric engines have fewer operations and low operating costs.

    3.        Hybrid Engines

    A major development in vehicle technology, hybrid engines combine electric propulsion systems with conventional combustion engines to extend fuel efficiency and lower pollution. There are three primary types: plug-in hybrids, which have larger batteries for extended electric-only driving ranges; mild hybrids, which use a smaller motor to help the internal combustion engine but cannot drive on electrical power alone; and full hybrids, which run entirely on electricity or in conjunction with an internal-combustion engine.

    4.        Rotary Engines

    With a triangle rotor housed in epitrochoidal housing, rotary engines—also mentioned as Wankel engines—have a special design that makes them small and have fewer moving parts. They need a high power-to-weight ratio and run constantly, delivering power smoothly.

    5.        Alternative Fuel Engines

    Using fuels aside from traditional gasoline or diesel, alternative fuel engines—like hydrogen fuel cells and biofuel engines—help create a more sustainable energy environment. These engines are a better choice for transportation in the future since they drastically hamper greenhouse emission emissions and function more efficiently than conventional engines.

    Conclusion

    It is important to know about the types of engines for cars. This helps you make an informed decision while purchasing a vehicle. Remember that car insurance is mandatory for financial coverage in case of damages or accidents involving your vehicle. 


    Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the Insurance industry and products. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.

  • Understanding Horsepower in Modern Cars

    by Almog Ramrajkar | Apr 03, 2025

    Horsepower measures the power a particular engine gets to generate. It's highly vital because it can tell you how powerful and fast an automobile will be. Having proper knowledge about the horsepower in a car will assist you in finding the right vehicle. It helps you get an idea about the car’s power and speed.

    How is Horsepower Measured in Engine Power?

    Horsepower is a process that helps gauge the work a vehicle's engine can perform. The power needed to move 33,000 foot-pounds per minute or 550 foot-pounds per minute is equal to one horsepower. In vehicles, horsepower depicts how fast the vehicle's engine can convert fuel into motion.

    To measure the horsepower, the engines get tested on a "dynamometer". This machine creates a driving-like setting to check the real-time output of the engine. It also measures the speed and force of the engine's work, which aids engineers in uncovering its horsepower.

    The car on hp is calculated by using two aspects: revolutions per minute (RPM) and torque. RPM measures how often the crankshaft rotates per minute, and the torque is the force that spins the engine. Here is the formula for calculating the horsepower:

    Horsepower = (RPM x torque) / 5252

    This formula helps engineers easily determine the potency of a vehicle's engine. In general, the higher the horsepower, the faster and stronger the engine will be.

    Why Should Horsepower Be Taken Into Account When Purchasing a Car?

    When you purchase a vehicle, you should check out its horsepower as it helps in:

    ●     Smooth driving: When the horsepower is higher, it will lead to faster and smoother acceleration. This lets you pass by other vehicles or easily merge onto the highways.

    ●     Hauling and towing: Higher horsepower becomes compulsory for SUVs and trucks, which need tow trailers or carry massive loads. It aids the vehicle to manage the additional weight without making the engine overwork

    ●     Performance: If you're looking for a vehicle that handles the steep cliffs perfectly or speeds up instantly, a high level of horsepower will offer that additional power.

    ●     Fuel efficiency: Generally, vehicles with low levels of horsepower use less fuel. This might save you funds greatly over time. This is particularly helpful for individuals wishing to reduce fuel expenses.

    Conclusion

    Horsepower plays a massive part in how a vehicle performs. Knowing about horsepower can help you choose the car that matches your budget, lifestyle, and requirements. 

    It is also important to get the right car insurance policy for coverage against damages, theft, and accidents.


    Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the Insurance industry and products. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.

  • Complete Guide to Car Fuel Filter Types

    by Almog Ramrajkar | Apr 03, 2025

    In automobiles, the fuel filters stand out as the main part. It helps keep the fuel system clean by preventing all the rust, dirt and other particles from entering the engine. It ensures that only clean fuel enters the engine, protects it from damage, and boosts performance and enhances fuel efficiency. However, what happens when these filters become worn or clogged? The impurities will start building up, which will lead to issues like mechanical breakdowns and reduction in power. To fix such concerns, you must periodically adjust and check the fuel filter.

    What are the Types of Fuel Filters in Cars?

    The need for an automotive fuel filter has become extremely high as it's efficient and long-lasting. You will come across various sorts of fuel filters and each of them is created for certain functions based on the vehicle's needs and the sort of fuel it uses.

    Here are various types of fuel filters:

    1.    Primary Fuel Filter

    This particular fuel filter is called the first line of protection in a car's fuel system. It catches all the bigger debris and particles right before they enter the sensitive regions. You will find the primary fuel filter located between the fuel pump and the fuel tank. It aids in preventing all the jams from occurring and also protects the fuel pump from damage. When it traps the bigger pollutants at the beginning of the fuel pipe, it reduces the hurdle of all the other filters. This enables the fuel system to operate perfectly and last much longer.

    2.    Secondary Fuel Filter

    This fuel filter in cars is an extra layer of security. It captures all the small pollutants and particles that might slip away via the main filter. You will find the secondary filter located near the engine, and it ensures that only the purest fuel gets to the injectors, as it's vital for all those high-pressure systems, such as the ones found in diesel engines. This extra filtration assists the engine to operate perfectly and also shields all its vital parts from wearing off. Diesel vehicles, in particular, benefit from this extra filtration step, as cleaner fuel supports smoother combustion and maintains engine efficiency.

    3.    Inline Fuel Filter

    An inline fuel filter is a versatile option that fits directly along the fuel line, providing filtration before the fuel reaches the engine. Due to its inline position, it can effectively trap impurities and keep them from impacting the engine’s performance. Many car owners prefer this type of filter because of its accessibility; it is relatively easy to install, inspect, and replace, making it a popular choice for routine vehicle maintenance. The inline fuel filter’s ease of use makes it suitable for most vehicles, adding a layer of protection with minimal hassle.

    Conclusion

    It’s crucial to be aware of the various fuel filters available for vehicles for effective performance and servicing. You will encounter various filters, but each is created for certain fuel types and requirements. When you do things like replacing and cleaning the fuel filter, it will aid in maintaining the fuel’s purity, increase its longevity, and also ensure the engine works perfectly.

    You will also need a good car insurance policy and add-ons covering the costs of accidents, damages theft, as well as expenses for fuel filter replacement. You will come across many policies; be sure to opt for the one that matches your budget and requirements.


    Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the Insurance industry and products. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.

  • Understanding Brake Assist Systems in Modern Cars

    by Almog Ramrajkar | Apr 02, 2025

    Brake assist systems are an essential safety component in modern vehicles. This technology helps the driver safely stop the vehicle and reduces the possibility of an accident in the event of a sudden brake failure. Brake assist in cars is now a mandatory safety feature and is available with most modern vehicles. In this article, we will look at the workings and importance of this technology. 

    Importance of a Brake Assist System

    The main purpose of the brake assist system is to increase the braking response in case of sudden stops. When a driver hits the brake abruptly, the pressure is generally not applied properly, and it may take time for the vehicle to stop. However, cars with braking assist sense the pressure and provide more braking power.

     

    Brake-assist technology proves especially helpful in emergency stops and while driving in bad weather.

    How Does the Brake Assist System Work in a Car?

    The brake assist system uses sensors that sense brake pressure and speed applied by the driver. When it detects an enormous braking force, it immediately activates maximum braking power to ensure sudden stopping.

     

    The working method is as follows:

     

    • Sensor activation

    Sensors in the car constantly monitor the driver’s foot speed and brake pressure. They recognise an emergency situation as soon as they sense a sudden increase in speed or pressure.

     

    • Sync with Anti-lock Braking System (ABS)

    The brake assist system operates in tandem with the ABS. The ABS ensures that the vehicle maintains control even when the brakes are applied and the wheels are not in motion. In this manner, both systems work together to help bring the vehicle to a faster and safer stop.

     

    • Brake boosting

    As soon as the system senses an emergency, additional energy is added to the braking system. This means that maximum braking force is delivered to bring the vehicle to a quick stop, whether or not the driver applies enough pressure. 

    Conclusion

    Brake assist systems have become an integral part of safety features in modern vehicles. They give the driver more braking power in an emergency situation, thereby reducing the possibility of accidents. A good car insurance policy is also required so that you can feel completely safe in case of an accident.


    Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the Insurance industry and products. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.

  • Understanding Head Gasket Function in Car Engines

    by Almog Ramrajkar | Apr 02, 2025

    A head gasket is a significant part of the car’s engine. Located between the cylinder head (which contains parts like the valves and spark plugs) and the engine block (which hosts the pistons and cylinders), the gasket enables the free flow of oil and refrigerant. This process secures the inner combustion by lubricating and cooling the engine.

    Read on to understand what the head gasket does and the signs that indicate its failure.

    What Does a Head Gasket Do?

    The gaskets for cars carry out crucial functions that help improve the life of a car engine. These functions include:

    • Maintains Pressure

    The primary function of a car gasket is to maintain pressure. It fastens the combustion chamber and allows the vehicle to produce enough compression to accelerate the engine.

    • Ensures Maximum Temperature

    The combustion chamber often contains fuel, and as you drive the vehicle, it overheats. The head gasket maintains optimal temperature by safeguarding the cooling channels between the cylinder head and the engine block.

    • Helps Separate the Oil and Coolant Channels

    A vehicle’s gasket separates the oil and coolant passages to avoid a possible mix-up. This process also stops oil leakage and prevents the risk of explosion.

    Signs of Head Gasket Failure

    The signs of head gasket failure, which drivers can encounter, include the following:

    • Constant Oil and Coolant Leakage

    Oil and coolant leakages are major indicators of blown or burned-out head gaskets. Whenever a gasket does not seal properly, fuel and refrigerant can spill out from the engine block.

    • Fire Explosion

    A malfunctioning car gasket is risky. The refrigerant oozes into the cylinder since the gasket can’t separate the oil and coolant passages. This effect causes an imbalance between the oil and air ratio, which can result in a fire explosion.

    • Release of White Smoke and Water Vapour

    When the coolant burns, smoke can come out in white deposits and water vapour generated through the vehicle's exhaust or tailpipe.

    • Milky or White-coloured Oil

    Together with the symptoms explained above, whenever you check the dipstick and the oil appears milky or whitish, you know that the coolant has already mixed with the oil. In such scenarios, you can find some remains on the oil filler cap. These are clear signs of head gasket failure.

    Conclusion

    The head gasket holds a significant role in vehicles. The small yet crucial component works to secure the inner combustion process. It enables the oil and refrigerant to flow continuously to help lubricate and cool down the engine. This allows your car's engine to perform faultlessly. Also, to enhance your safety, ensure you check through and select the best comprehensive car insurance online to protect you from unwanted financial costs. In the event of an accident, the insurance will cover you for car repairs, medical bills, and damage to another's property or life.


    Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the Insurance industry and products. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.

  • What is an Engine Splash Shield

    by mohit bohra | Apr 02, 2025

    The engine splash shield or under-engine cover is a protective panel meant to shield vital car parts, including the engine, from road elements while performing mechanical functions.

    Benefits of Engine Splash Shield

    Besides safeguarding the car engine from water, debris and other road hazards, the engine splash shield also offers other benefits. These are:

    1. Enhanced Fuel Efficiency

    Shielding the engine with a protective cover protects it not only from physical damage but also helps enhance fuel efficiency by reducing air resistance and drag.

    1. Improved Performance

    The splash shield’s effect on aerodynamics reduces the vehicle's drag, which helps improve vehicle performance.

    1. Thermal Management

    The car shield ensures smooth airflow essential for regulating vehicles' engine and battery temperature.

    1. Noise Regulation

    Sound insulation is another benefit of the vehicle engine shield as it helps reduce noise and vibration from the road.

    1. Better Aesthetics

    The splash guard also makes your car look more sophisticated, providing a clean undercarriage appearance.

    1. Effortless Maintenance

    Shielding vital vehicular parts from road hazards and other wear and tear results in lower maintenance costs while enhancing longevity.

    Ways to Install an Engine Splash Shield in Cars

    You can easily install a new engine splash shield in your car to replace an old/damaged cover by following these simple steps:

    • Ensure your car engine is switched off and the vehicle has cooled down.
    • Have proper identification and convenient access to the splash shield location.
    • Clean the area thoroughly.
    • Determine the mounting location, screws and fasteners securing the shield.
    • Remove the old shield by opening the screws and bolts and secure the new shield in its place by securing the fasteners.
    • Ensure the secure attachment of the splash shield car through a test drive.

    Conclusion

    Your engine shield might or might not be covered by car insurance online. Always make sure to ascertain comprehensive coverage of your vehicle while buying any insurance plan.

     


    Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the Insurance industry and products. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.  

  • Understanding Four-Stroke Engines in Modern Cars

    by Almog Ramrajkar | Apr 02, 2025

    The majority of modern vehicles have a four-stroke engine. This engine enhances a car's performance and fuel economy and does little harm to the environment. It is an internal combustion engine with a four-phase operating cycle and is highly efficient in generating power. In this article, we will discuss all the crucial things regarding the four-stroke engine in cars. 

    Phases in a Four-stroke Engine

    A four-stroke engine in cars works through four stages called the four-stroke cycle. They are as follows:

     

    Intake Stroke

    In this phase, the engine's intake valve is opened, and the piston is driven down. During this, the engine cylinder fills with the fuel-air mixture.

     

    Compression Stroke

    The piston is driven upwards, pushing in the air-fuel mixture. As this mixture is expended and compacted, its pressure and temperature rise.

     

    Power Stroke

    The piston is pulled upwards, and a spark is created at the head of the spark plug. This ignites the air-fuel mixture. Due to the combustion, the piston gets pushed down, driving the engine.

     

    Exhaust Stroke

    In the last stage, the piston returns to the top position, and the engine's exhaust valve opens. While doing so, the gas emitted from burning goes out, and the engine is set for the next stage of the cycle. 

    What Are the Different Parts of a Four-stroke Engine? 

    A four-stroke engine comprises several significant parts, and some of them are:

     

    Spark Plug

    The spark plug is designed to light the air-fuel mixture.

     

    Piston

    It is the part that moves inside an engine cylinder and generates power during the combustion process.

     

    Valves

    There are intake and exhaust valves, which allow air and gas to fill the space inside the cylinder and allow the gases to leave it after the burning process.

     

    Cylinder

    This is the region where the combustion occurs.

     

    Crankshaft

    It transforms the linear motion of the piston into rotational motion that operates the vehicle.

    Conclusion

    The four-stroke engine has emerged as the most efficient technology for car propulsion. It is also fuel-efficient. A good four-stroke engine car will have reasonable longevity and good performance. The owner should buy a car insurance policy to further protect the vehicle in good condition.


    Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the Insurance industry and products. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.

  • Top Production Cars Showcasing Unique Spoilers

    by mohit bohra | Apr 02, 2025

    The automobile world has changed significantly, with spoilers moving from simply racing-inspired improvements to complex design elements that enhance looks and airflow. Let's study some standout production cars that showcase amazing spoiler designs while providing excellent performance.

    List of best cars with spoilers

    Today's car market shows how makers have mastered adding spoilers to their designs without losing beauty or practicality. From electric vehicles to small SUVs, spoilers serve as signature elements that separate different models while offering benefits in terms of stability and airflow. Here are some of the best cars with spoilers.

    1. Kia EV 6

    The Kia EV6 is a testament to how electric cars can be both sustainable and fast. The EV6's back wing isn't just for show—it's an important part of its efficient design, which helps achieve amazing range numbers. Its sleek, modern shape, matched by its unique hood, makes it stand out in the growing electric car market.

    • Ex-showroom Price: 60.97 - 65.97 Lakh (approx.)
    • Range: 708 KM
    • Charging Time: 73 Min

     

    2. Hyundai Verna

    Hyundai's Verna redefines what we expect from a car in its segment. The rear spoiler enhances its stylish appearance and adds a touch of sportiness. It gives Verna a more powerful stance, with sharp body lines running smoothly into the bumper.

    • Ex-showroom Price: 11.07 - 17.55 Lakh (approx.)
    • Engine: 1497 cc
    • Mileage: 6 kmpl

     

    3. Hyundai i20 N-Line

    The i20 N-Line brings a racing-inspired style to regular driving. Its roof-mounted spoiler and other sports elements give this car an obvious performance-oriented character. The N-Line treatment makes the regular i20 more aggressive-looking.

    • Ex-showroom Price: 9.99 - 12.56 Lakh (approx.)
    • Engine: 998 cc
    • Mileage: 20 kmpl

     

    4. Kia Syros

    The Syros marks an exciting new step in Kia's design growth. It is the first India-made car to showcase the company's Design 2.0 theory. This subcompact SUV is particularly interesting because it blends its spoiler into a unique outward design that sets it apart in the crowd.

    • Ex-showroom Price: 9.0 - 17.80 Lakh (approx.)
    • Engine: 1493 cc
    • Mileage: 75 kmpl

    Conclusion

    Modern production cars show that useful aerodynamic features can coexist with beautiful design. This trend of adding performance-oriented design features to everyday vehicles shows no signs of slowing down.

    While these amazing spoilers give your car a distinctive and sporty look, protecting your investment should be a top priority. A complete car insurance policy protects you financially from theft, accidents, and natural disasters. Many car insurance providers offer specialised coverage choices that understand the value of these modern design features.

     


    Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the topic featured in the article. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.

  • Car Wax Benefits

    by Almog Ramrajkar | Apr 02, 2025

    Every car owner knows the pleasure of driving a clean, shiny vehicle. Car wax is another step to keeping your car clean. It acts as a protective shield for your vehicle's paint. It's not just about getting that eye-catching shine but about providing long-term safety for one of your most valuable purchases. Let’s look at some of the car wax benefits.

    What are the benefits of car waxing?

    Here’s the list of key benefits of car wax:

    1.   Protection against natural elements

    One of the best things about waxing is that it protects against damage from the outdoor elements. It produces a layer that protects your car's paint from damaging UV rays, which may destroy the paint and cause fading and discolouration over time.

    2.   Enhanced defence against daily hazards

    Daily driving exposes your car to numerous dangers that can damage its appearance. Bird droppings, tree sap, and dust can all damage your car's paint. A good wax layer makes the surface smooth, making it harder for contaminants to stick to the paint and easier to wash away during regular cleaning.

    3.   Scratch prevention

    While wax won't prevent major scratches, it provides an extra layer that helps guard against small scratches and swirl lines from everyday use and washing.

    4.   Improved appearance

    A newly cleaned car has that showroom-worthy shine that turns heads. The natural oils in car wax improve the paint's depth and glossiness, giving your vehicle a uniform, professional appearance. It can even help hide small flaws, making your car look better kept.

    5.   Easier cleaning

    Normal cleaning becomes much easier when your car has a safe wax layer. Dirt and dirt have a harder time sticking to the waxed surface, which means less scrubbing during cleaning and a reduced risk of scratching the paint.

    Conclusion

    Car waxing might seem like an extra step in car maintenance, but its benefits far outweigh the effort involved. While keeping your car's look through regular washing is important, protecting your vehicle with complete car insurance is equally crucial. Car insurance protects you financially against crashes, damages, and thefts. Always review your car insurance policy to ensure it offers adequate coverage for your well-maintained vehicle.


    Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the Insurance industry and products. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.  

  • Top Cars With Factory-Fitted Dash Camera Systems In India

    by Almog Ramrajkar | Apr 01, 2025

    Automobile manufacturers are rapidly introducing advanced security features. Gone are the days when basic airbags and ABS (anti-braking systems) were considered cutting-edge safety technology. Built-in dash cameras mark a shift from traditional aftermarket solutions to complex factory-fitted systems. Let’s look at some cars with built-in dash cameras available today.

    List of cars with built-in dash cameras

    Unlike the after-market counterparts, the built-in dash cameras offer utility, changing the game for modern drivers. Factory-fitted dash cameras work perfectly with the vehicle's existing electrical and data systems, removing the usual problems of external wire and battery drain issues. This improves the overall user experience and ensures performance and dependability. Making it a sought-after feature among car buyers who value safety. Here are some of the cars with built-in dash cameras:

        1. Hyundai Exter

    The Exter reflects Hyundai's pledge to bring modern features to budget-conscious buyers. The built-in dash camera adds an extra layer of security without greatly increasing the total cost. The small SUV's form ensures ideal camera placement for the best coverage of the road ahead.

    • Ex-showroom Price: 6.20 - 10.50 Lakh (approx.)
    • Mileage: 4 kmpl
    • Engine Capacity: 1197 cc
    • Trims With Dash Cameras: SX(O)

     

        2. Hyundai Venue

    The Venue offers dash camera features across multiple trim levels, making it more accessible to buyers with different budgets. This shows Hyundai's understanding of various customer wants. This compact SUV's higher driving position provides an excellent viewing point for the dash camera, which records clear footage.

    • Ex-showroom Price: 7.94 - 13.62 Lakh (approx.)
    • Mileage: 2 kmpl
    • Engine Capacity: 1493 cc
    • Trims With Dash Cameras: S(O), SX, SX(O)

     

        3. Hyundai Creta N-Line

    The Creta N-Line marks the peak of Hyundai's dash camera technology. This system features advanced features, such as improved night vision capabilities. The car's luxury placement in the market ensures the system benefits from higher-quality components.

    • Ex-showroom Price: 16.93 - 20.56 Lakh (approx.)
    • Mileage: 2 kmpl
    • Engine Capacity: 1482 cc
    • Trims With Dash Cameras: N8

    Conclusion

    As we progress, built-in dash cameras will likely become standard equipment in most new vehicles. Their ability to provide security, peace of mind, and possibly useful proof makes them an increasingly important feature in modern cars.

    Built-in dash cameras are increasingly catching the attention of car insurance companies, possibly leading to significant benefits for car drivers. As more car insurance companies understand the value of this technology, we might see even more favourable policies and rewards for cars equipped with built-in dash cameras.

     


    Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the Insurance industry and products. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.  

     

     

  • Best Luxury Cars Featuring Rear Seat Entertainment Systems

    by Almog Ramrajkar | Apr 01, 2025

    The merging of modern entertainment systems, especially rear-seat screens, has become a defining feature of high-end cars. Let's explore how some of the world's most prestigious car makers are changing the passenger experience through state-of-the-art rear entertainment systems.

    List of cars with TV in back seat

    Gone are the days when riders had to rely on simple radio systems or handheld DVD players. Modern luxury cars have become mobile entertainment hubs, providing experiences that match high-end home cinemas. Here are some of the cars with tv in back seat:

        1. BMW i7

    The BMW i7 is often considered the best car with tv in back seat with its combination of electric movement and entertainment. Its huge 31.3-inch rear touchscreen, the Theater Screen, lowers from the top like a private theatre. With an advanced Bowers & Wilkins sound system, the i7 turns every trip into a premium movie experience.

    • Price: 2.03 - 2.50 Crore
    • Fuel Type: Electric
    • Range: 625 Km

     

        2. Mercedes-Benz Maybach S-Class

    The Mercedes-Maybach S-Class keeps its name for unmatched luxury with dual 11.6-inch rear screens. These high-definition screens are perfectly merged into the front seat backrests, giving individual entertainment zones for rear passengers. Excellent sound separation and adjustable rear seats make it ideal for entertainment and productive work sessions.

    • Price: 2.77 - 3.48 Cr
    • Fuel Type: Petrol
    • Engine Capacity: 5980 cc

     

        3. Lexus LM

    The Lexus LM's 48-inch rear screen takes rear entertainment to extraordinary heights. This ultra-wide display can be partitioned into multiple parts, allowing riders to view different content simultaneously. The screen size provides a unique movie experience, making the car interior feel more like a private theatre than a car interior.

    • Price: 2.10 - 2.62 Cr
    • Fuel Type: Petrol
    • Engine Capacity: 2487 cc

     

        4. Land Rover Range Rover

    The Range Rover blends its famous off-road power with smart entertainment features through dual 11.4-inch back touchscreens. These screens are perfectly merged into the headrests, offering high resolution while maintaining the vehicle's beautiful interior looks.

    • Price: 2.40 - 4.98 Cr
    • Fuel Type: Diesel/Petrol
    • Engine Capacity: 2996 cc

    Conclusion

    The advanced back entertainment systems in luxury cars represent how we spend time while travelling. These systems have transformed cars from mere transportation devices into mobile entertainment and workplaces.

    While these advanced entertainment systems turn your car into a mobile theatre or office, it's crucial to remember that security should never take a backseat to luxury. Consider investing in comprehensive car insurance. An appropriate policy offers financial protection in case of theft, accident or third-party liabilities.

     


    Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the Insurance industry and products. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.  

  • State wise EV subsidy

    by Almog Ramrajkar | Mar 28, 2025

    India's push towards electric travel has increased significantly, with central and state governments offering attractive benefits to make EVs affordable. Let's study the current electric vehicle subsidy landscape across states and understand which regions offer the best deals for potential EV buyers.

    States that offer best incentives for EV

    The funding system varies greatly across states, with some giving subsequent benefits while others focus on tax breaks. Here's how different states arrange their EV subsidies:

    • The incentive rate per kWh (kilowatt hour) ranges from ₹4,000 to ₹10,000.
    • States like Assam, Bihar, Gujarat, and West Bengal provide a subsidy of ₹10,000 per kWh.
    • Maharashtra offers a subsidy of ₹5,000 per kWh, while Meghalaya offers ₹4,000 per kWh.

     

    Maximum support caps also vary:

    • Maharashtra leads with the largest cap of ₹2,50,000
    • Assam, Bihar, Gujarat, and West Bengal cap at ₹1,50,000
    • Odisha offers up to ₹1,00,000
    • Meghalaya caps at ₹60,000

     

    Road tax perks are another crucial component, with most states giving 100% savings. However, some states have partial exemptions:

    • Gujarat and Kerala: 50% road tax discount
    • Uttar Pradesh: 75% road tax savings
    • Madhya Pradesh: 99% road tax saving

    States leading the EV revolution

    Several states have emerged as frontrunners in pushing electric cars through complete reward packages:

    1. Gujarat
    • Two-wheelers: Up to ₹20,000
    • Three-wheelers: Up to ₹50,000
    • Four-wheelers: Up to ₹1.5 lakh

     

    1. Maharashtra
    • Two-wheelers: Up to ₹25,000
    • Three-wheelers: Up to ₹30,000
    • Four-wheelers: Up to ₹2.5 lakh

     

    1. Meghalaya
    • Two-wheelers: Up to ₹20,000
    • Four-wheelers: Up to ₹60,000

     

    While other states, such as Karnataka, Andhra Pradesh, and Telangana, do not provide direct assistance, they offer major benefits through road tax rebates and registration charge waivers. Kerala has adopted a unique method: it offers a 50% road tax discount for the first five years and special funding for e-rickshaws from ₹10,000 to ₹30,000.

    Conclusion

    The state and central benefits have made electric cars increasingly available to Indian customers. As more states improve their EV subsidy policies and offer competitive benefits, we expect to see greater use of electric vehicles nationwide. When considering buying an EV, it's also important to consider the insurance cost. Car insurance companies offer special coverage for electric vehicles. Many offer low rates and full packages that cover things like batteries, and charging tools only found in electric cars.


    Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the Insurance industry and products. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.  

  • Day and Night IRVM: Importance & Benefits for Safe Driving

    by mohit bohra | Mar 28, 2025

    You may be wondering what is day and night IRVM?  Well, this is one of the rearview mirror technologies and a mandatory feature every car should have. The technology works such that whenever brighter lights generated from the vehicles behind hit the IRVM in your car, you can adjust the mirror to avoid glare. Some cars have an already fixed day-and-night adjustable IRVM, while others have it as a manual component.

    Let’s find out more about day and night adjustable IRVM.

    What is Day Night IRVM in Cars?

    Day and night IRVM is a type of rearview mirror used in vehicles. It is an anti-glare car feature that enables drivers to view the back part of the car during daytime and nighttime. The mirror features unique designs that ease its adjustment to different angles. This helps accommodate different lighting conditions.

    The day-night IRVM is an essential feature in automobiles. Most modern-day vehicles already have this element integrated. However, some cars have it as a manual piece. The whole concept of the IRVM is to ensure that there’s less light reflection. It helps the driver drive clearly without facing any lighting issues.

    Car manufacturers integrate mirrors on the windshield or dashboard to give a clear view of the vehicle’s behind. In the daytime, the mirror works like a normal rearview mirror, giving an open view from the backside. 

    The mirror adjusts its angles in the evening or whenever the driving conditions appear dark. It switches automatically to reduce the glare from the headlights of oncoming vehicles, streetlights, or any other obstructing light beam.

    As a result, it becomes easier for a driver to see traffic behind his vehicle both during the day and at night. This improves overall visibility and enhances safety on roads.

    What is the Technology Behind Day and Night Adjustable IRVM?

    The two technologies behind day-and-night adjustable IRVMs are automatic and manual. Let’s look at each one below.

    ·        Automatic Technology

    The automatic day-night IRVM operates on sensor technology. Whenever there’s a car behind, it dims the lights coming from the headlamp of the other vehicle. The two different rear view mirrors have an electrically conductive material coated on them. These mirrors work with glare and ambient sensors. They also contain electrochromic ions or gels that often turn dark whenever they gather any voltage. The glare sensor often gathers the amount of light coming at the mirror. The glaring light acts upon the ions to darken the mirror. As soon as the glare from the headlamps finishes, the mirror returns to normal. The ambient sensor picks up the intensity of the flare coming from the headlamps of other vehicles. It then sends a message to its unit to dim the rearview mirror.

    ·        Manual Technology

    The manual IRVM technology in cars works with a lever. In this case, the car’s mirror is prismatic, with a wedge-shaped mirror inside.

    The light generated by the headlights can usually cause too much strain on the driver’s eyes, which can lead to accidents. The manual technology functions like this: during the day, objects behind the car reflect from the mirror’s surface. At night, the mirror tends to bounce off any light coming from the headlamps of the vehicles behind.

    What are the Uses of Day-Night IRVM in Cars?

    • Day-night IRVM is especially essential at night. It enables the flare coming from the cars behind to bounce off.
    • In the daytime, the mirror works like a normal rearview, enabling drivers to see what's behind the car. It clearly shows the traffic behind.
    • The rearview mirror ensures the safety of drivers, passengers, and other road users. The driver can see clearly and concentrate on the road ahead, hence managing to drive carefully.
    • It helps the driver check the mirror without straining the eyes too much. Remember, the rearview mirror is very crucial for drivers. Whenever the light from another vehicle’s headlamps is too bright, the driver’s concentration can waver and cause collisions. 
    • Both during day and night, the IRVM operates with two different surfaces (back and front) aligned. They aren’t parallel like in conventional rearview mirrors, where the frontal and back parts are parallel. So, the mirror’s frontal part is the usual straight glass, and the back part contains a reflective coated surface. The frontal part functions like a simple glass, while the back one works to reflect the oncoming flare. During the day, you can view the bright reflections from the back surface, while at night, you can view the fainter reflection from the front.

    Conclusion

    Day and night adjustable IRVMs are technological innovations in the automobile sector that enhance the visibility and safety of drivers during day and night conditions. You can adjust the angle of the rear mirror to accommodate different lighting conditions. This reduces glare and improves overall driver visibility. So, while you ensure that your car has the IRVM feature, purchasing a good car insurance policy is necessary for added safety and security. 


    Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the Insurance industry and products. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.  

  • Car Engine Cooling System: How It Works & Maintenance

    by mohit bohra | Mar 28, 2025

    Maintaining your car’s performance greatly depends on the condition of the engine cooling system. If you're unfamiliar with this concept, don't worry. We're here to guide you through understanding how this system helps protect engine integrity, boosts efficiency, and extends your vehicle’s lifespan. Let’s get started.

    What Is an Engine Cooling System?

    Any vehicle with a combustion engine relies heavily on its engine cooling system. This system is carefully designed to regulate engine temperatures, ensuring optimal performance and prolonging engine life. Its primary role is to prevent the engine from overheating, making it a crucial aspect of vehicle maintenance with several essential functions.

    Typically, the cooling fluid is a mixture of water and antifreeze. This fluid circulates through the engine block, absorbing excess heat from critical components like the cylinders, pistons, and cylinder heads. Once heated, the coolant flows through the radiator, where cooling fans assist in dissipating the absorbed heat into the surrounding air, particularly in low-speed or stationary conditions when natural airflow is minimal. This process helps regulate the engine's temperature and prevent overheating.

    The cooling system is made up of several parts, such as the cooling fans, thermostat, water pump, and radiator. A system of hoses and pipes allows the coolant to flow efficiently. The efficient transfer of heat and management of temperature depend on each part working in tandem.

    Preserving the cooling system is quite essential. Neglect raises a major danger of catastrophic engine damage and overheating. It might also result in expensive repairs. Prevention of such problems depends on routine inspections and maintenance of the coolant level, hose integrity, and general system performance. It guarantees effective and seamless running of the vehicle.

     

    How Does a Car Engine Cooling System Work?

    Maintaining the ideal temperature of an engine largely depends on the car engine cooling system. It ensures the car operates efficiently and prevents overheating. Let’s take a look at how this system functions:

     

    • Circulation of Coolant: The system starts with coolant, a mixture of water and antifreeze, that flows through the engine block. The coolant absorbs the heat generated by the engine during combustion.

     

    • Heat Transfer to Radiator: This heated coolant is then channelled to the radiator, where the heat from the coolant is dissipated into the air. This process is aided by the airflow coming through the car's grille when it moves or by a fan when the vehicle is stationary.

     

    • Cooling and Recirculation: Once the coolant has released its heat, it cools down and is cycled back into the engine to absorb more heat, continuing the cycle.

     

    • Temperature Regulation: Integral to this system is the thermostat, which regulates the coolant's flow to maintain consistent engine temperatures. It also ensures that the engine heats up quickly and stays at an optimal temperature.

     

    Key Components of this system are as follows:

     

    • Radiator: Cools the coolant.
    • Thermostat: Manages coolant flow.
    • Water Pump: Ensures continuous coolant flow.
    • Cooling Fans: Enhance airflow through the radiator.
    • Hoses and Pipes: Transport coolant.
    • Pressure Cap and Expansion Tank: Manage coolant pressure and overflow.

     

     

    What Are the Types of Engine Cooling System?

    Car engines usually control heat and guarantee effective operation using one of two kinds of cooling systems. They are:

     

    • Air-Cooled Systems: These systems cool the engine by passing air directly over the engine block and dissipating heat away from the metal. Air-cooled systems are designed to be simpler than their liquid-cooled counterparts, having fewer components such as radiators and water pumps. This makes them lighter and less prone to leaks. However, they are less common in modern cars due to their lower efficiency in managing intense heat in high-performance engines.

     

    • Liquid-Cooled Systems: Most contemporary vehicles are equipped with liquid cooling systems. These systems involve circulating coolant through channels within the engine block and heads. The coolant absorbs engine heat and transfers it to the radiator, where it is cooled by airflow before being recirculated back into the engine. Liquid-cooled systems are more complex but provide superior temperature control and can more effectively handle the higher heat loads of modern engines.

     

    Liquid cooling offers several advantages over air cooling, including more efficient heat transfer and the ability to maintain more consistent engine temperatures under a variety of operating conditions. This leads to improved engine efficiency, reduced engine wear, and increased longevity. Each type of system has specific applications, making them suitable for different environmental conditions and vehicle demands.

     

    Advantages of Cooling Systems

    Cooling systems have several advantages that ensure the vehicle’s engine performs effectively.

     

    • Temperature Regulation: A car's cooling system's primary role is to manage the heat generated by the engine during operation. Without it, extreme temperatures could cause engine components to warp, crack, or fail.

     

    • Prevention of Engine Damage: Overheating is a major risk without proper cooling and can potentially lead to severe damage, such as warped cylinder heads, blown gaskets, and cracked engine blocks. The cooling system mitigates these risks by efficiently dispersing heat away from critical areas of the engine.

     

    • Enhanced Fuel Efficiency: An engine that maintains its optimal temperature performs better in terms of fuel combustion. Properly regulated temperatures mean that fuel burns more completely, which maximises output and reduces waste. Overheating can cause fuel to evaporate prematurely, reducing efficiency and increasing emissions.

     

    • Extended Engine Life: A cooling system extends the engine’s operational life by consistently regulating its temperature and reducing strain on its components. This means fewer repairs and replacements over the vehicle's lifespan.

     

    • Optimised Engine Performance: Engines that operate within their designed temperature range exhibit improved performance and reliability. This is particularly important under varying operational conditions, such as changes in weather and driving intensity.

    Conclusion

    A well-functioning cooling system in car is essential for the health of your car’s engine. Never compromise on regular maintenance. Check the coolant levels and ensure the system is clean and free from leaks. This can help keep your automobile running smoothly and avoid expensive repairs. Additionally, it may be wise to acquire comprehensive car insurance that affords greater accessibility to resources that aid in maintaining your vehicle’s optimum condition.


    Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the Insurance industry and products. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.  

  • EV vs PHEV: Key Differences & Which Is Right For You

    by mohit bohra | Mar 28, 2025

    Electric cars (EVs) and plug-in hybrid electric cars (PHEVs) are the way of the future, marking a significant step toward an ecologically friendly future. Understanding the key differences between EVs and PHEVs is essential. Read on to explore the unique features that distinguish them. Let's begin our discussion on EV vs PHEV.

    What Is an EV?

    Electric vehicles operate entirely on electricity. They use a rechargeable battery and exclude traditional fuel sources like petrol or diesel. Here are some key attributes of these vehicles:

     

    • Powered by Electricity: EVs harness power from an inbuilt battery and eliminate the need for diesel or gasoline by being charged through the electrical grid.

     

    • Environmentally Friendly: EVs emit no exhaust and do not rely on combustion engines. They significantly reduce air pollution.

     

    • Reduced Maintenance: EVs require less maintenance as they lack the complex parts of regular cars, which is attributed to having fewer moving parts.

     

    • Operation: EV engines operate silently, creating quieter environments compared to gasoline or diesel cars with loud engines.

     

    • Cost Efficiency: Electric cars get their power from electricity, so they cost less to run than regular cars.

     

    • Performance: Quick power in electric motors promises a better driving experience and faster acceleration.

     

    What Is a PHEV?

    PHEVs combine elements of conventional combustion engines and electric cars, offering a versatile driving experience. Let us understand in detail what distinguishes a PHEV:

     

    • Dual Powertrain: PHEVs have both a conventional gasoline or diesel engine and an electric motor. This setup allows the electric motor to operate independently for shorter ranges while the combustion engine activates to extend the vehicle's range when the battery’s charge is depleted.

     

    • Charging Flexibility: Recharging PHEVs from an electrical outlet allows them to run entirely on electric power. They can also be fueled with diesel or gasoline, which guarantees convenience, particularly on lengthy trips with few charging stations.

     

    • Reduced Emissions: In electric mode, PHEVs produce no tailpipe emissions, which helps to reduce their environmental impact compared to conventional vehicles. Emissions are present when operating on the combustion engine, but they are generally lower than those of traditional vehicles due to the supplementary electric power.

     

    • Cost-Efficiency and Maintenance: Operating costs for PHEVs tend to be lower than those of standard vehicles because they consume less fuel. Maintenance can be simpler for the electric components, as their moving parts are fewer compared to those of a combustion engine. This reduces the overall maintenance costs.

     

    • Versatility and Future-Proofing: PHEVs are flexible in a range of driving conditions and future-proof against changes in fuel availability and technological developments by being able to transition between electric and fuel-based operation. They provide a sensible balance between the range of gasoline cars and the efficiency of electric vehicles, making them a robust choice for the transition toward fully electric mobility.

     

    Difference Between EV and PHEV in India

    Evs and PHEVs represent two distinct approaches to electric mobility. Each has its own unique advantages and limitations.

     

    • Driving Range and Flexibility: PHEVs offer an adaptable driving range by merging gasoline or diesel with electric motors, allowing switching between energy sources as needed. This flexibility alleviates the range anxiety common with EVs.

     

    EVs operate solely on electric power, which requires strategic planning around available charging infrastructure, particularly for long trips. Range anxiety can be pronounced in regions with limited charging options.

     

    • Fuel and Operating Costs: EVs typically yield significant operational cost savings since electricity generally costs less than gasoline or diesel. The stable pricing of electricity also shields owners from the volatile fluctuations often seen with fossil fuels. In contrast, PHEVs may not always achieve the same level of cost efficiency, particularly when frequently operated in gasoline or diesel mode. This can diminish the financial benefits of the hybrid system.

     

    • Maintenance and Upkeep: EVs have fewer mechanical parts. This often translates into lower maintenance costs and reduced likelihood of mechanical failures. PHEVs combine both electric motors and traditional engines and require upkeep for both systems.

     

    • Initial Purchase Price: EVs can command a higher initial price, especially for models with extended ranges. This is due to the expensive nature of advanced battery technologies. PHEVs typically cost less than their fully electric counterparts. They provide a more budget-friendly introduction to electric mobility.

     

    • Government Incentives and Policy Support: India's commitment to a greener future is evident in its favourable policies and subsidies, which are primarily aimed at promoting EV adoption over PHEVs. These incentives are intended to offset EVs' more expensive starting prices and increase their appeal as a financial decision.

     

    Conclusion

    Deciding between an EV and a PHEV often depends on individual preferences and eco-friendliness. Both offer routes toward greener transportation, whether through the total elimination of emissions with an EV or the adaptable benefits of a hybrid system. Please ensure that you take all necessary precautions when setting out in your vehicle, including a comprehensive car insurance policy. This will afford you peace of mind and ensure that you are financially protected in the unfortunate event of an accident or other damage. 


    Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the Insurance industry and products. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.  

  • Best 1000cc Cars in India: Complete Guide 2024

    by Almog Ramrajkar | Mar 28, 2025

    Today, 1000cc cars in India are among the most popular vehicles purchased by consumers. These offer greater power output and improved efficiency. As a result, 1000cc cars can achieve the same mileage as vehicles with smaller displacement engines.

    If you're considering buying a new car, our list of the best 1000cc cars in India will simplify your decision-making process. These specifications will assist you in making the best choice.

    Top 1000cc Engine Cars in India

    The following are some of the best 1000cc cars to consider:

    1.   Maruti S-Presso (From ₹4.26 Lakhs)

    The Maruti S-Presso is a compact SUV that draws attention on the roads. A popular car model since release, the vehicle’s small footprint and a 4.5-metre turn radius make it easier to navigate congested roads.

     

    Key specifications include:

    • Ex-showroom price that starts from ₹4.26 Lakhs
    • Mileage: 24.12 kmpl
    • Transmission: Manual/Automatic
    • Fuel type: Petrol/CNG
    • Body type: Hatchback
    • Maximum Power: 55.92bhp@5300rpm
    • Maximum Torque: 82.1Nm@3400rpm
    • Airbags: 2
    • Seating capacity: 4

     

    2.   Renault Kwid (From ₹4.70 Lakhs)

    The Renault Kwid is a compact hatchback with an SUV-like bearing and excellent ground clearance.

     

    Its key specifications include:

    • Ex-showroom price that starts from ₹4.70 Lakhs
    • Mileage: 22.3 kmpl
    • Seating Capacity: 5
    • Fuel type: Petrol
    • Body type: Hatchback
    • Maximum Power: 67.06bhp@5500rpm
    • Maximum Torque: 91Nm@4250rpm

     

    3.   Renault Kiger (From ₹6 Lakhs)

    The Renault Kiger can be your best choice if you are looking for a highly fuel-efficient sub-4m SUV. Its bold design and progressive features make it a premium option for consumers.

     

    Other key specifications are:

    • Ex-showroom price that starts from ₹6 Lakhs
    • Mileage: 18.24 kmpl
    • Transmission: Automatic/ Manual
    • Fuel type: Petrol
    • Body type: SUV
    • Maximum Power: 98.63bhp@5000rpm
    • Maximum Torque: 152Nm@2200-4400rpm
    • Airbags: 4
    • Seating Capacity: 5

     

    4.   Maruti Swift (From ₹6.49 Lakhs)

    The Maruti Swift is one of the most popular and recognisable 1000cc cars on Indian roads. It can be the perfect choice for those seeking a powerful and stylish vehicle.

     

    Its key specifications are:

    • Ex-showroom price that starts from ₹6.49 Lakhs
    • Mileage: 25.75 kmpl
    • Transmission: Manual/ Automatic
    • Fuel type: Petrol
    • Body type: Hatchback
    • Maximum Power: 80.46bhp@5700rpm
    • Maximum Torque: 111.7Nm@4300rpm
    • Airbags: 6
    • Seating capacity: 4

     

    Here are some additional top 1000cc engine cars in India that you can consider:

     

    • Maruti Suzuki Fronx
    • Kia Sonet 2024
    • Hyundai i20 N Line
    • Skoda Slavia
    • Skoda Kushaq
    • Hyundai Venue N Line

     

    These models offer a variety of features and options for those looking for 1000cc vehicles.

     

    Conclusion

    Indian buyers love 1000cc car designs because they are powerful enough to safely navigate various road types. Additionally, they offer better fuel efficiency on city roads and unpaved terrains. Remember to take all safety and legal precautions when purchasing your vehicle. The most important factor when buying your car is to ensure you have a reliable car insurance policy that can provide adequate financial coverage for issues such as car theft, accidents, or damages.


    Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the Insurance industry and products. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.  

  • What Is Biofuel And How Does It Work In Cars: Complete Guide

    by mohit bohra | Mar 28, 2025

    With the gradual adaptation towards renewable energy worldwide, knowing what biofuel is and how it will influence modern vehicle technologies becomes essential. Biofuels are cleaner alternatives to previously used fossil fuels and present a greener future for transportation.

    Read on to explore what is biofuel.

    What Are Biofuels?

    Biofuels are essentially renewable energy produced from organic materials like plants, algae, and animal waste. In contrast to the formation of fossil fuels, which took several million years, biofuels are generated from current biological processes and, hence, are more environmentally friendly.

    Biofuels are generally divided into two categories:

     

    • First-generation
    • Second-generation

     

    Among the primary feedstocks for biofuel production at present are crops such as corn, sugarcane, and soybeans (first-generation) and other biomass resources, including wood chips and waste from agriculture (second-generation).

     

    Biofuels work on the principle of extracting the energy stored in these organic materials by photosynthesis, turning it into usable fuel form.

    Upon combustion, biofuels tend to release stored energy in the form of power, with a carbon footprint that is relatively lower compared to traditional fossil fuels. It is for this reason of reduced carbon emission that biofuels are considered to be a very environmentally friendly alternative.

    Applications for biofuels can span from usage in transportation, heating, and the generation of electricity. For vehicle purposes, they may be used directly in their pure form or combined with conventional fuel types like gasoline and diesel.

     

    Types of Biofuels

    Different varieties of biofuel have specific characteristics and uses. Common types of biofuel are:

     

    • Ethanol: Ethanol is the most consumed biofuel and is widely blended with higher percentages of petrol to form a brew usually known as E10, that is, 10% ethanol and 90% petrol. Ethanol is primarily produced from every form of crop, mainly corn, sugarcane, and wheat. Ethanol is acknowledged for its cleaner burning characteristic with reduced harmful emissions. Ethanol is also used as pure fuel in specially designed engines in some countries, like Brazil.
    • Biodiesel: Another common biofuel is biodiesel, produced from vegetable oils, animal fats, and used cooking grease. The fuel can be utilised in its pure form, B100, or generally mixed with petroleum diesel, like B20, which contains 20% biodiesel. Biodiesel is biodegradable and less toxic than fossil diesel; hence, it is a good option for reducing pollution.
    • Biogas: Organic waste materials, such as food scraps, sewage, and a few others, are anaerobically digested into this kind of gaseous fuel. The biogas produced, mainly composed of methane and carbon dioxide, can be used either to produce electricity or directly as a type of vehicle fuel. After purification, biogas’s typical use is in CNG vehicles.
    • Advanced Biofuels: These include cellulosic ethanol and algal biofuels. Cellulosic ethanol's production feedstocks include wood chips, grass, or agricultural residues. Algal biofuels are produced from algae and can make vast proportions of oil suitable for processing into biodiesel or other fuels. These advanced biofuels have the potential to render even more significant environmental benefits. Nevertheless, they are still in the preliminary stages of development.

    How Do Biofuels Work in a Car Engine?

    Combustible organic liquids can power various types of engines depending on the fuel and engine design. For example, ethanol can be used in standard gasoline engines, often without modification, and is commonly blended with gasoline. Vehicles running on an E10 blend (10% ethanol, 90% gasoline) generally need no engine modifications, while flex-fuel vehicles can run on higher ethanol blends like E85 (85% ethanol), offering more flexibility.

    Similarly, biodiesel can be used in diesel engines with little to no modification. Vehicles running on biodiesel blends like B20 (20% biodiesel, 80% diesel) function like regular diesel-powered vehicles with lower emissions. However, pure biodiesel (B100) may require minor engine modifications, particularly in cold climates, to address issues with viscosity and performance.

    Biogas, used in CNG vehicles, also offers a cleaner alternative to conventional natural gas. These vehicles are engineered with special tanks and fuel systems designed to handle compressed gas, providing a renewable and lower-carbon fuel option.

    Which Indian Vehicles Use Biodiesel?

    Biodiesel is finding acceptance in India, although slowly and mainly in the commercial vehicle sector. Many companies are beginning to manufacture vehicles for BCH-20 compatibility.

     

    • Tata Motors, one of India's largest auto manufacturers, offers a range of commercial vehicles compatible with biodiesel. The company has introduced buses and trucks that run on B20 grade biodiesel, currently being used by multiple state transportation systems across the nation. This not only lowers emissions but also helps reduce fuel costs.

     

    • The prominent Indian vehicle manufacturer and major biodiesel adopter is Mahindra & Mahindra. A large proportion of their tractors, particularly from the Arjun range, are designed to operate on biodiesel. This is part of a broader line of vehicles offered by the company, each contributing to a reduction in the carbon footprint.

     

    The use of biodiesel in passenger vehicles is still relatively small. However, their consumption is expected to grow, especially now that a number of vehicle manufacturers have started to introduce models suitable for using biodiesel. Further, incentives initiated by the Indian government for cleaner fuels and the broader availability of biodiesel at refuelling stations would accelerate this trend.

     

    Advantages of Biofuels

    Some of the reasons why biofuels are a good substitute include:

     

    • Reduced Greenhouse Gas Emission

    One of the most salient benefits of biofuels is their potential to reduce greenhouse gas emissions. Because the feedstock used in their production is renewable, biofuels intrinsically have a reduced carbon footprint compared to fossil fuels. While the combustion of biofuel products generates carbon dioxide, plants absorb CO2 during their photosynthesis process, creating a more balanced carbon cycle.

     

    • Energy Security

    Biofuels have contributed to energy security because the country imports less fossil fuel. Producing fuels with the help of domestic agricultural resources can reduce their over-dependence on foreign oil and thus develop energy independence and stability.

     

    • Economic Development

    This will promote economic development, particularly in rural areas, where most biofuel industry activities are concentrated. Producing biofuels involves agriculture, processing, and distribution, creating job opportunities for farmers and residents in the countryside. These new opportunities can lead to higher incomes and stimulate economic growth in these regions.

     

    • Biodegradability and Environmental Impact

    Unlike the use of fossil fuels, biofuels are non-toxic and biodegradable, thus further reducing the potential for environmental pollution. In cases of spills, biofuels degrade much more quickly and pose less harm to ecosystems than petroleum-based fuels.

    Conclusion

    The use of biofuels is a significant potential alternative for reducing carbon emissions and promoting sustainable transport. While biofuels offer numerous advantages, it’s also important to consider factors such as car insurance and engine compatibility with the new fuel. Understanding what biofuel is and how it functions in vehicles allows people to make informed decisions about their fuel choices, contributing to a greener environment.

     

    Remember to take all security precautions before driving your vehicle, including conducting routine pollution checks and ensuring that your car insurance and driving licence are renewed.


    Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the Insurance industry and products. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.  

Error message here